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Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following.

With Citigold

With Citi Priority

What You Get

Safety Check transfers enough funds to cover your overdraft plus any fees.Footnote 1 Transfers are rounded up to the next $100. And if multiple overdrafts occur on the same day, one transfer will be made to cover those overdrafts as long as the funds are available in your savings or money market account.

How It Works

To enroll, you need a checking accountFootnote 2 and either a linked savings or money market account. You can only use one savings or money market account as the contributing account for Safety CheckFootnote 3.

Works With These Products

Or, call us at 1-800-374-9700 (TTY 1-800-788-0002) to open an account or learn more.

Citibank will charge an Overdraft Protection Transfer Fee of $10 on the day overdrafts are covered by transferring money from your Safety Check Contributing Account, Checking Plus line of credit account or your Checking Plus® (variable rate) line of credit account. The Overdraft Protection Transfer Fee will be charged to the checking account that receives the transfer. This fee is waived for Citigold® Account Package, Citi Priority Account Package, Access Account Package (as of July 18, 2014, new checkless Regular Checking Accounts in an Access Account Package cannot have a linked Checking Plus (variable rate) line of credit account) and Citi Private Bank customers. Overdrafts and Overdraft Protection Transfer Fees can be avoided if fund transfers are taken in advance via online, phone or ATM. Rates as of 12/19/2018. Current variable Annual Percentage Rate (APR) for Checking Plus (variable rate) line of credit is 20.25%; 17.25% variable APR with the Citigold Account Package and the Citi Priority Account Package. If you are in default, your variable APR may increase by 2.00%. to footnote reference 1

If the checking account is a joint account, all owners must authorize the Safety Check coverage. Funds in your contributing account will not be held or set aside for Safety Check overdraft coverage until the funds are actually transferred to cover an overdraft. You will continue to have full access to them, and they will continue to earn interest. to footnote reference 2

Only 6 transfers can be made from a savings or money market account each statement period – including Safety Check transfers. to footnote reference 3

You are applying for an account package that requires you to open both a checking and savings account. If you want only one account type, you can choose a different account package.

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Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following.